Trupanion (TRUP) 10-Q 28 Apr 22 2022 Q1 Quarterly report Financial data

Cover Page Document

Cover Page Document - shares	3 Months Ended
	Mar. 31, 2022	Apr. 21, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	001-36537
Entity Registrant Name	TRUPANION, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	83-0480694
Entity Address, Address Line One	6100 4th Avenue S, Suite 400
Entity Address, City or Town	Seattle,
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98108
City Area Code	(855)
Local Phone Number	727 - 9079
Title of 12(b) Security	Common stock, $0.00001 par value per share
Trading Symbol	TRUP
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		40,720,473
Entity Central Index Key	0001371285
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Statement of Opera

Consolidated Statement of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Income Statement [Abstract]
Revenues	$ 205,999	$ 154,685
Claims Expense	144,926	109,870
Other Cost of Services Sold	31,179	23,715
Cost of Revenue	176,105	133,585
Technology and Development Expense	5,229	3,731
General and Administrative Expense	9,366	7,216
Selling and Marketing Expense	21,627	19,704
Depreciation, Depletion and Amortization	2,717	3,093
Operating Expenses	38,939	33,744
Income (Loss) from Equity Method Investments	(69)	(85)
Operating Income (Loss), Total	(9,114)	(12,729)
Interest Expense	(79)	(2)
Other Nonoperating Income (Expense)	(314)	(62)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	(8,879)	(12,665)
Income Tax Expense (Benefit)	(24)	(217)
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (8,855)	$ (12,448)
Earnings Per Share, Basic and Diluted [Abstract]
Earnings Per Share, Basic	$ (0.22)	$ (0.31)
Earnings Per Share, Diluted	$ (0.22)	$ (0.31)
Weighted Average Number of Shares Outstanding, Basic	40,581,989	39,700,454
Weighted Average Number of Shares Outstanding, Diluted	40,581,989	39,700,454

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income Statement - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (8,855)	$ (12,448)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(898)	618
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	0	0
Other Comprehensive Income (Loss), Net of Tax, Total	(898)	618
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$ (9,753)	$ (11,830)

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and Cash Equivalents, at Carrying Value	$ 122,462	$ 87,400
Short-term Investments	136,571	126,012
Accounts and Other Receivables, Net, Current	189,035	165,217
Prepaid Expense and Other Assets	14,488	12,325
Assets, Current, Total	462,556	390,954
Restricted Cash and Cash Equivalents	13,470	13,469
Marketable Securities, Noncurrent	7,384	7,061
Property, Plant and Equipment, Net	80,368	77,950
Intangible Assets, Net (Excluding Goodwill)	21,317	22,663
Other Assets, Noncurrent	17,722	17,776
Goodwill	31,794	32,709
Assets, Total	634,611	562,582
Liabilities and Equity [Abstract]
Accounts Payable, Current	5,795	8,952
Accrued Liabilities, Current	29,746	28,162
Liability for Claims and Claims Adjustment Expense	38,524	39,671
Deferred Revenue	170,990	146,911
Long-term Debt, Current Maturities	609	0
Liabilities, Current, Total	245,664	223,696
Long-term Debt, Excluding Current Maturities	53,662	0
Deferred Income Tax Liabilities, Net	2,690	2,827
Other Liabilities, Noncurrent	4,062	3,859
Liabilities, Total	306,078	230,382
Common Stock, Value, Outstanding	0	0
Preferred Stock, Value, Outstanding	0	0
Additional Paid in Capital	472,878	466,792
Accumulated Other Comprehensive Income (Loss), Net of Tax	2,179	3,077
Retained Earnings (Accumulated Deficit)	(135,745)	(126,890)
Treasury Stock, Value	(10,779)	(10,779)
Stockholders' Equity Attributable to Parent	328,533	332,200
Liabilities and Equity	$ 634,611	$ 562,582

Consolidated Balance Sheet Cond

Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Allowance for Doubtful Accounts, Premiums and Other Receivables	$ 358,000	$ 342,000
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	41,644,656	41,408,350
Common Stock, Shares, Outstanding	40,711,491	40,475,185
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Treasury Stock, Shares	933,165	933,165

Consolidated Statement of Stock

Consolidated Statement of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2020		39,450,807
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2020	$ 339,939	$ 0	$ 439,007	$ (91,360)	$ 3,071	$ (10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		605,599
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(643)		(643)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	8,611		8,611
Other Comprehensive Income (Loss), Net of Tax	618				618
Net Income (Loss) Available to Common Stockholders, Basic	(12,448)			(12,448)
Common Stock, Shares, Outstanding, Ending Balance at Mar. 31, 2021		40,056,406
Stockholders' Equity Attributable to Parent, Ending Balance at Mar. 31, 2021	$ 336,077	$ 0	446,975	(103,808)	3,689	(10,779)
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2021	40,475,185	40,475,185
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2021	$ 332,200	$ 0	466,792	(126,890)	3,077	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		236,306
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(1,699)		(1,699)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	7,785		7,785
Other Comprehensive Income (Loss), Net of Tax	(898)				(898)
Net Income (Loss) Available to Common Stockholders, Basic	$ (8,855)			(8,855)
Common Stock, Shares, Outstanding, Ending Balance at Mar. 31, 2022	40,711,491	40,711,491
Stockholders' Equity Attributable to Parent, Ending Balance at Mar. 31, 2022	$ 328,533	$ 0	$ 472,878	$ (135,745)	$ 2,179	$ (10,779)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Cash Flows [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic	$ (8,855)	$ (12,448)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Depreciation, Depletion and Amortization	2,717	3,093
Share-based Payment Arrangement, Noncash Expense	7,549	8,448
Other Operating Income (Expense), Net	(79)	(230)
Increase (Decrease) in Operating Assets [Abstract]
Increase (Decrease) in Accounts Receivable	(23,815)	(18,805)
Increase (Decrease) in Prepaid Expense and Other Assets	(2,060)	(1,331)
Increase (Decrease) in Accounts Payable and Accrued Liabilities	(1,806)	35
Increase (Decrease) in Claims Reserve and Loss Adjustment	(1,213)	1,179
Increase (Decrease) in Unearned Premiums	23,972	18,324
Net Cash Provided by (Used in) Operating Activities	(3,590)	(1,735)
Net Cash Provided by (Used in) Investing Activities [Abstract]
Payments to Acquire Held-to-maturity Securities	(22,892)	(12,157)
Maturities of Investment Securities	12,199	10,478
Payments to Acquire Property, Plant, and Equipment	(3,553)	(2,883)
Payments for (Proceeds from) Other Investing Activities	(5)	(40)
Net Cash Provided by (Used in) Investing Activities	(14,251)	(4,602)
Net Cash Provided by (Used in) Financing Activities [Abstract]
Proceeds from Issuance of Debt	54,463	0
Proceeds from Stock Options Exercised	600	1,238
Payment, Tax Withholding, Share-based Payment Arrangement	(2,298)	(1,881)
Net Cash Provided by (Used in) Financing Activities	52,765	(643)
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	139	230
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	35,063	(6,750)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	100,869	146,197
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	135,932	139,447
Supplemental Cash Flow Information [Abstract]
Capital Expenditures Incurred but Not yet Paid	$ 945	$ 753

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Notes)	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations and Summary of Significant Accounting Policies [Text Block]	Nature of Operations and Significant Accounting Policies Description of Business and Basis of Presentation Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the "Company") provides medical insurance for cats and dogs throughout the United States, Canada, Puerto Rico, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics. The financial data as of December 31, 2021 was derived from the Company's audited consolidated financial statements. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) and, in management's opinion, have been prepared on the same basis as the audited financial statements and include all adjustments, consisting of normal recurring adjustments, necessary for the fair presentation of the Company's financial position, results of operations, comprehensive income (loss), stockholders' equity and cash flows for the interim periods. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s audited financial statements included in the Company’s Annual Report on Form 10-K, filed with the U.S. Securities and Exchange Commission (SEC) on February 17, 2022 (the 2021 10-K). The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2021 10-K. Operating results for the three months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the full fiscal year or any other interim period. Use of Estimates

Earnings Per Share (Notes)

Earnings Per Share (Notes)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share, Basic and Diluted [Abstract]
Earnings Per Share [Text Block]	Net Income (Loss) per Share Basic net income (loss) per share is computed using the weighted average number of shares of common stock outstanding during the period. Diluted net income (loss) per share is calculated using the weighted average number of shares of common stock plus, when dilutive, potential shares of common stock outstanding using the treasury-stock method. Potential shares of common stock outstanding include stock options and restricted stock units. The following potentially dilutive equity securities were not included in the diluted earnings per share of common stock calculation because they would have had an antidilutive effect: Three Months Ended March 31, 2022 2021 Stock options 759,719 1,026,605 Restricted stock units 1,366,507 1,232,549

Investment Securities (Notes)

Investment Securities (Notes)	3 Months Ended
	Mar. 31, 2022
Investments [Abstract]
Investment [Text Block]	Investments The amortized cost, gross unrealized holding gains and losses, and estimates of fair value of long-term and short-term investments by major security type and class of security were as follows as of March 31, 2022 and December 31, 2021 (in thousands): Amortized Gross Gross Fair As of March 31, 2022 Long-term investments: Foreign deposits $ 6,373 $ — $ — $ 6,373 Municipal bond 1,000 11 — 1,011 $ 7,373 $ 11 $ — $ 7,384 Short-term investments: U.S. Treasury securities $ 8,773 $ — $ (30) $ 8,743 Certificates of deposit 3,355 — — 3,355 U.S. government funds 124,443 — — 124,443 $ 136,571 $ — $ (30) $ 136,541 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: U.S. Treasury securities $ 8,671 $ — $ (9) $ 8,662 Certificates of deposit 3,295 — — 3,295 U.S. government funds 114,046 — — 114,046 $ 126,012 $ — $ (9) $ 126,003 Maturities of debt securities classified as available-for-sale were as follows (in thousands): As of March 31, 2022 Amortized Fair Available-for-sale: Due after one year through five years $ 7,373 $ 7,384 $ 7,373 $ 7,384 The Company does not expect any credit losses from its held-to-maturity investments, considering the composition of the investment portfolio and the credit loss history of these investments. For available-for-sale debt securities, the Company determined that there were no unrealized losses. The Company does not intend to sell, nor is it more likely than not that the Company will be required to sell, the securities prior to maturity or prior to the recovery of the amortized cost basis.

Other Investments (Notes)

Other Investments (Notes)	3 Months Ended
	Mar. 31, 2022
Investments, All Other Investments [Abstract]
Investments and Other Noncurrent Assets [Text Block]	Other InvestmentsThe Company has invested $7.0 million in preferred stock of a variable interest entity, Baystride, Inc., a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the variable interest entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common shares issued by the variable interest entity in 2023 at an amount approximating its expected fair value. The preferred stock investment in the variable interest entity is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date.Additionally, the Company has extended a $4.1 million revolving line of credit to the variable interest entity to fund its inventory purchases. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $4.5 million as of March 31, 2022 and December 31, 2021. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.2 million of these services for the three months ended March 31, 2022 and 2021.

Fair Value (Notes)

Fair Value (Notes)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	Fair Value Investments The following tables summarize, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of March 31, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds 75,758 75,758 — — Fixed maturities: Foreign deposits 6,373 6,373 — — Municipal bond 1,011 — 1,011 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 91,584 $ 82,131 $ 1,011 $ 8,442 As of December 31, 2021 Fair Value Level 1 Level 2 Level 3 Assets Money market funds 32,255 32,255 — — Fixed maturities: Foreign deposits 6,050 6,050 — — Municipal bond 1,011 — 1,011 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442 The Company measures the fair value of money market funds and foreign deposits based on quoted prices in active markets for identical assets. The fair value of the municipal bond is based on either recent trades in inactive markets or quoted market prices of similar instruments and other significant inputs derived from or corroborated by observable market data. Short-term investments are carried at amortized cost, and the fair value and changes in unrealized gains (losses) are disclosed in Note 3, Investments. The fair value of these investments is determined in the same manner as available-for-sale securities and is considered a Level 1 measurement. The Company's preferred stock investment in the variable interest entity (see Note 4) is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date. The estimated fair value of the preferred stock investment is a Level 3 measurement and is based on certain unobservable inputs such as the value of the underlying enterprise, volatility, time to liquidity, and market interest rates. An increase or decrease in any of these unobservable inputs would result in a change in the fair value measurement. Estimated fair value was $8.4 million as of March 31, 2022, unchanged from December 31, 2021, recorded in other long-term assets on the Company's consolidated balance sheet. Fair Value Disclosures The Company's other long-term assets balance included notes receivable of $7.6 million as of March 31, 2022 and December 31, 2021, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy and is based on market interest rates and the assessed creditworthiness of the third party. There was no significant activity in Level 3 of the hierarchy during the three months ended March 31, 2022. The Company recognizes transfers between levels of the fair value hierarchy on the date of the event or change in circumstances that caused the transfer. There were no transfers between levels for the three months ended March 31, 2022 and the year ended December 31, 2021.

Commitment and Contingencies (N

Commitment and Contingencies (Notes)	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Disclosure [Text Block]	Commitments and ContingenciesFrom time to time the Company is or may become subject to various legal proceedings arising in the ordinary course of business, including proceedings against members, other entities or regulatory bodies. Estimated liabilities are recorded when it is both probable that a liability has been incurred and the amount of the loss can be reasonably estimated. At this time, the Company does not believe any such matters to be material individually or in the aggregate. These views are subject to change following the outcome of future events or the results of future developments.

Claims Reserve (Notes)

Claims Reserve (Notes)	3 Months Ended
	Mar. 31, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information, Disclosure [Text Block]	Reserve for Veterinary Invoices The reserve for veterinary invoices is an estimate of the future amount the Company will pay for veterinary invoices that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense. Reserve for veterinary invoices Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Three Months Ended March 31, Subscription 2022 2021 Reserve at beginning of year $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 101,078 84,216 Prior years (488) (490) Total veterinary invoice expense 100,590 83,726 Amounts paid during the period related to: Current year 85,993 68,214 Prior years 13,922 12,468 Total paid 99,915 80,682 Non-cash expenses 1,234 2,369 Reserve at end of period $ 21,848 $ 20,600 The Company's reserve for the subscription business segment decreased $0.6 million from $22.4 million at December 31, 2021 to $21.8 million at March 31, 2022. This change was comprised of $100.6 million in expense recorded during the period less $99.9 million in payments of veterinary invoices. The $100.6 million in veterinary invoice expense incurred included a reduction of $0.5 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. For the three months ended March 31, 2021, the Company's adjustment to prior year reserves was a reduction of $0.5 million as a result of analysis of payment trends. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Three Months Ended March 31, Other Business 2022 2021 Reserve at beginning of year $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 43,735 26,414 Prior years 601 (270) Total veterinary invoice expense 44,336 26,144 Amounts paid during the period related to: Current year 29,426 18,031 Prior years 15,498 7,582 Total paid 44,924 25,613 Non-cash expenses — — Reserve at end of period $ 16,676 $ 9,535 The Company’s reserve for the other business segment decreased $0.6 million from $17.3 million at December 31, 2021 to $16.7 million at March 31, 2022. This change was comprised of $44.3 million in expense recorded during the period less $44.9 million in payments of veterinary invoices. The $44.3 million in veterinary invoice expense incurred included an increase of $0.6 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. For the three months ended March 31, 2021, the Company's adjustment to decrease prior year reserves was $0.3 million as a result of analysis of payment trends. Reserve for veterinary invoices, by year of occurrence In the following tables, the reserve for veterinary invoices for each segment is presented as the amount (in thousands) by the year to which the veterinary invoice relates, referred to as the year of occurrence. Subscription As of March 31, 2022 Year of Occurrence 2020 and prior $ 1,584 2021 6,413 2022 13,851 $ 21,848 Other Business As of March 31, 2022 Year of Occurrence 2020 and prior $ 11 2021 2,357 2022 14,308 $ 16,676

Debt (Notes)

Debt (Notes)	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Long-term Debt [Text Block]	Debt On March 25, 2022, the Company entered into a $150.0 million credit agreement (the “Credit Facility”) that provides for: (a) an initial term loan in an aggregate principal amount of $60.0 million (“Initial Term Loan”), which funded at closing; (b) commitments for delayed draw term loans in an aggregate principal amount not in excess of $75.0 million (“Delayed Draw Term Loans”, and together with the Initial Term Loan, the “Term Loans”), which may be drawn from time to time until September 25, 2023; and (c) commitments for revolving loans in an aggregate principal amount at any time outstanding not in excess of $15.0 million (“Revolving Loans”), which may be drawn at any time prior to March 25, 2027. The Credit Facility bears interest at a base rate plus an applicable margin. The interest rate as of March 31, 2022 was approximately 5.76%. The Company incurred total debt issuance cost of approximately $5.7 million at closing, which is reported in the Consolidated Balance Sheet as a direct deduction from the carrying amount of the Credit Facility, and is amortized as interest expense over the term of five years. The Credit Facility is secured by substantially all assets of the Company and its subsidiaries. Proceeds from the Credit Facility may be used for permitted acquisitions and investments, working capital and other general corporate purposes. The credit agreement contains financial and other covenants . As of March 31, 2022, the Company was in compliance with all financial and non-financial covenants . To the extent not previously paid, the Initial Term Loan is due and payable on March 25, 2027, the Delayed Draw Term Loans are due and payable on the earlier of the five-year anniversary of their initial funding or March 25, 2028, and Revolving Loans are due and payable on March 25, 2027. The Credit Facility are secured by substantially all assets of the Company and its subsidiaries. The Company must repay 0.25% of any then-outstanding Term Loans, together with accrued and unpaid interest, on a quarterly basis. Future principal payments on outstanding borrowings as of March 31, 2022 are as follows (in thousands): Year Ending December 31, March 31, 2022 2022 $ 461 2023 593 2024 587 2025 581 2026 576 Thereafter 57,202 Total $ 60,000

Stock-based Compensation (Notes

Stock-based Compensation (Notes)	3 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Stock-Based Compensation Stock-based compensation expense includes stock options and restricted stock units granted to employees and other service providers and has been reported in the Company’s consolidated statements of operations depending on the function performed by the employee or other service provider. Stock-based compensation expense recognized in each category of the consolidated statements of operations was as follows (in thousands): Three Months Ended March 31, 2022 2021 Veterinary invoice expense $ 1,187 $ 2,299 Other cost of revenue 649 935 Technology and development 908 664 General and administrative 2,423 1,819 New pet acquisition expense 2,382 2,731 Total expensed stock-based compensation 7,549 8,448 Capitalized stock-based compensation 236 162 Total stock-based compensation $ 7,785 $ 8,610 As of March 31, 2022, the Company had 1,366,507 unvested restricted stock units. Stock-based compensation expenses of $108.1 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 3 years. Stock Options A summary of the Company's stock option activity is as follows: Number of Options Weighted Average Exercise Price per Share Aggregate Intrinsic Value (in thousands) Outstanding as of December 31, 2021 807,205 $ 13.39 $ 95,765 Granted — — — Exercised (47,204) 12.51 4,555 Forfeited (282) 10.23 — Outstanding as of March 31, 2022 759,719 13.45 57,490 Exercisable as of March 31, 2022 759,719 $ 13.45 $ 57,490 As of March 31, 2022, stock options outstanding and stock options exercisable had a weighted average remaining contractual life of 4 years. Restricted Stock Units A summary of the Company’s restricted stock unit activity is as follows: Number of Weighted Average Unvested shares as of December 31, 2021 1,087,627 $ 78.94 Granted 512,284 89.42 Vested (214,922) 81.97 Forfeited (18,482) 82.70 Unvested shares as of March 31, 2022 1,366,507 $ 82.34

Stockholders' Equity (Notes)

Stockholders' Equity (Notes)	3 Months Ended
	Mar. 31, 2022
Stockholders' Equity Attributable to Parent [Abstract]
Stockholders' Equity Note Disclosure [Text Block]	Stockholders' Equity Common Stock and Preferred Stock As of March 31, 2022, the Company had 100,000,000 shares of common stock authorized and 40,711,491 shares of common stock outstanding. Holders of common stock are entitled to one vote on each matter properly submitted to the stockholders of the Company except those related to matters concerning possible outstanding preferred stock. At March 31, 2022, the Company had 10,000,000 shares of undesignated preferred stock authorized for future issuance and did not have any outstanding shares of preferred stock. The holders of common stock are also entitled to receive dividends as and when declared by the board of directors of the Company (the Board), whenever funds are legally available. These rights are subordinate to the dividend rights of holders of any senior classes of stock outstanding at the time. The Company does not intend to declare or pay any cash dividends in the foreseeable future. Share Repurchase Program In April 2021, the Board approved a share repurchase program, pursuant to which the Company may, between May 2021 and May 2026, repurchase outstanding shares of the Company’s common stock. The Company has not repurchased any shares under this program.

Comprehensive Income (Loss) (No

Comprehensive Income (Loss) (Notes)	3 Months Ended
	Mar. 31, 2022
Other Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Comprehensive Income (Loss) Note [Text Block]	Accumulated Comprehensive Income (Loss) A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 Other comprehensive income (loss) (898) — (898) Balance as of March 31, 2022 $ 726 $ 1,453 $ 2,179 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) 618 — 618 Balance as of March 31, 2021 $ 2,738 $ 951 $ 3,689

Segments (Notes)

Segments (Notes)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Segment Reporting Disclosure [Text Block]	Segments The Company has two reporting segments: subscription business and other business. The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products, while the other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than our subscription segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are allocated proportionately based on revenue in each segment. Interest and other expenses and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets. Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended March 31, 2022 2021 Subscription business: Revenue $ 139,839 $ 113,292 Veterinary invoice expense 100,590 83,726 Other cost of revenue 14,673 11,811 Technology and development 3,550 2,733 General and administrative 6,358 5,285 New pet acquisition expense 21,518 19,533 Depreciation and amortization 1,844 2,265 Subscription business operating loss (8,694) (12,061) Other business: Revenue 66,160 41,393 Veterinary invoice expense 44,336 26,144 Other cost of revenue 16,506 11,904 Technology and development 1,679 998 General and administrative 3,008 1,931 New pet acquisition expense 109 171 Depreciation and amortization 873 828 Other business operating income (loss) (351) (583) Gain (loss) from investment in joint venture (69) (85) Total operating loss $ (9,114) $ (12,729) The following table presents the Company’s revenue by geographic region of the member (in thousands): Three Months Ended March 31, 2022 2021 United States $ 172,748 $ 127,759 Canada and other 33,251 26,926 Total revenue $ 205,999 $ 154,685 Substantially all of the Company’s long-lived assets were located in the United States as of March 31, 2022 and December 31, 2021.

Related Parties (Notes)

Related Parties (Notes)	3 Months Ended
	Mar. 31, 2022
Related Party Transactions [Abstract]
Related Party Transactions Disclosure [Text Block]	Related PartiesIn August 2018, the Company invested $0.3 million in a limited liability entity in exchange for a 17.5% ownership interest. The investee is considered to be a related party, as the Company has the ability to exercise significant influence over the investee. In February 2020, the Company entered into a service agreement with the investee, under which the Company incurred $1.0 million and $0.8 million of expenses for consulting services provided by the investee related to pet acquisition during the three months ended March 31, 2022 and 2021, respectively, recorded as new pet acquisition expense on the Company's consolidated statement of operations.

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Business Description and Basis of Presentation [Text Block]	Description of Business and Basis of Presentation Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the "Company") provides medical insurance for cats and dogs throughout the United States, Canada, Puerto Rico, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics.
Basis of Accounting, Policy [Policy Text Block]	The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2021 10-K. Operating results for the three months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the full fiscal year or any other interim period.
Use of Estimates [Policy Text Block]	Use of EstimatesThe preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from such estimates. See Note 1 to the audited financial statements included in the 2021 10-K for additional discussion of these estimates and assumptions.

Other Investments (Policies)

Other Investments (Policies)	3 Months Ended
	Mar. 31, 2022
Investments, All Other Investments [Abstract]
Consolidation, Variable Interest Entity, Policy [Policy Text Block]	The Company has invested $7.0 million in preferred stock of a variable interest entity, Baystride, Inc., a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the variable interest entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common shares issued by the variable interest entity in 2023 at an amount approximating its expected fair value. The preferred stock investment in the variable interest entity is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date.Additionally, the Company has extended a $4.1 million revolving line of credit to the variable interest entity to fund its inventory purchases. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $4.5 million as of March 31, 2022 and December 31, 2021. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.2 million of these services for the three months ended March 31, 2022 and 2021.

Fair Value Notes Receivable (Po

Fair Value Notes Receivable (Policies)	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Trade and Other Accounts Receivable, Unbilled Receivables, Policy [Policy Text Block]	The Company's other long-term assets balance included notes receivable of $7.6 million as of March 31, 2022 and December 31, 2021, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy and is based on market interest rates and the assessed creditworthiness of the third party. There was no significant activity in Level 3 of the hierarchy during the three months ended March 31, 2022. The Company recognizes transfers between levels of the fair value hierarchy on the date of the event or change in circumstances that caused the transfer. There were no transfers between levels for the three months ended March 31, 2022 and the year ended December 31, 2021.

Claims Reserve (Policies)

Claims Reserve (Policies)	3 Months Ended
	Mar. 31, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Liability Reserve Estimate, Policy [Policy Text Block]	The reserve for veterinary invoices is an estimate of the future amount the Company will pay for veterinary invoices that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense.

Segments (Policies)

Segments (Policies)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Segment Reporting, Policy [Policy Text Block]	The Company has two reporting segments: subscription business and other business. The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products, while the other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than our subscription segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions.The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are allocated proportionately based on revenue in each segment. Interest and other expenses and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share, Basic and Diluted [Abstract]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following potentially dilutive equity securities were not included in the diluted earnings per share of common stock calculation because they would have had an antidilutive effect: Three Months Ended March 31, 2022 2021 Stock options 759,719 1,026,605 Restricted stock units 1,366,507 1,232,549

Investment Securities Available

Investment Securities Available-for-Sale (Tables)	3 Months Ended
	Mar. 31, 2022
Investments [Abstract]
Unrealized Gain (Loss) on Investments [Table Text Block]	The amortized cost, gross unrealized holding gains and losses, and estimates of fair value of long-term and short-term investments by major security type and class of security were as follows as of March 31, 2022 and December 31, 2021 (in thousands): Amortized Gross Gross Fair As of March 31, 2022 Long-term investments: Foreign deposits $ 6,373 $ — $ — $ 6,373 Municipal bond 1,000 11 — 1,011 $ 7,373 $ 11 $ — $ 7,384 Short-term investments: U.S. Treasury securities $ 8,773 $ — $ (30) $ 8,743 Certificates of deposit 3,355 — — 3,355 U.S. government funds 124,443 — — 124,443 $ 136,571 $ — $ (30) $ 136,541 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: U.S. Treasury securities $ 8,671 $ — $ (9) $ 8,662 Certificates of deposit 3,295 — — 3,295 U.S. government funds 114,046 — — 114,046 $ 126,012 $ — $ (9) $ 126,003
Debt Securities, Available-for-sale [Table Text Block]	Maturities of debt securities classified as available-for-sale were as follows (in thousands): As of March 31, 2022 Amortized Fair Available-for-sale: Due after one year through five years $ 7,373 $ 7,384 $ 7,373 $ 7,384

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	The following tables summarize, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of March 31, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds 75,758 75,758 — — Fixed maturities: Foreign deposits 6,373 6,373 — — Municipal bond 1,011 — 1,011 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 91,584 $ 82,131 $ 1,011 $ 8,442 As of December 31, 2021 Fair Value Level 1 Level 2 Level 3 Assets Money market funds 32,255 32,255 — — Fixed maturities: Foreign deposits 6,050 6,050 — — Municipal bond 1,011 — 1,011 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442

Claims Reserve (Tables)

Claims Reserve (Tables)	3 Months Ended
	Mar. 31, 2022
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Short-duration Insurance Contracts, Claims Development [Table Text Block]	In the following tables, the reserve for veterinary invoices for each segment is presented as the amount (in thousands) by the year to which the veterinary invoice relates, referred to as the year of occurrence. Subscription As of March 31, 2022 Year of Occurrence 2020 and prior $ 1,584 2021 6,413 2022 13,851 $ 21,848 Other Business As of March 31, 2022 Year of Occurrence 2020 and prior $ 11 2021 2,357 2022 14,308 $ 16,676
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Three Months Ended March 31, Subscription 2022 2021 Reserve at beginning of year $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 101,078 84,216 Prior years (488) (490) Total veterinary invoice expense 100,590 83,726 Amounts paid during the period related to: Current year 85,993 68,214 Prior years 13,922 12,468 Total paid 99,915 80,682 Non-cash expenses 1,234 2,369 Reserve at end of period $ 21,848 $ 20,600
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	Summarized below are the changes in total liability for the Company's other business segment (in thousands): Three Months Ended March 31, Other Business 2022 2021 Reserve at beginning of year $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 43,735 26,414 Prior years 601 (270) Total veterinary invoice expense 44,336 26,144 Amounts paid during the period related to: Current year 29,426 18,031 Prior years 15,498 7,582 Total paid 44,924 25,613 Non-cash expenses — — Reserve at end of period $ 16,676 $ 9,535

Debt (Tables)

Debt (Tables)	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Schedule of Maturities of Long-term Debt [Table Text Block]	Future principal payments on outstanding borrowings as of March 31, 2022 are as follows (in thousands): Year Ending December 31, March 31, 2022 2022 $ 461 2023 593 2024 587 2025 581 2026 576 Thereafter 57,202 Total $ 60,000

Stock-based Compensation (Table

Stock-based Compensation (Tables)	3 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement [Abstract]
Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Table Text Block]	Stock-based compensation expense includes stock options and restricted stock units granted to employees and other service providers and has been reported in the Company’s consolidated statements of operations depending on the function performed by the employee or other service provider. Stock-based compensation expense recognized in each category of the consolidated statements of operations was as follows (in thousands): Three Months Ended March 31, 2022 2021 Veterinary invoice expense $ 1,187 $ 2,299 Other cost of revenue 649 935 Technology and development 908 664 General and administrative 2,423 1,819 New pet acquisition expense 2,382 2,731 Total expensed stock-based compensation 7,549 8,448 Capitalized stock-based compensation 236 162 Total stock-based compensation $ 7,785 $ 8,610
Share-based Compensation, Stock Options, Activity [Table Text Block]	A summary of the Company's stock option activity is as follows: Number of Options Weighted Average Exercise Price per Share Aggregate Intrinsic Value (in thousands) Outstanding as of December 31, 2021 807,205 $ 13.39 $ 95,765 Granted — — — Exercised (47,204) 12.51 4,555 Forfeited (282) 10.23 — Outstanding as of March 31, 2022 759,719 13.45 57,490 Exercisable as of March 31, 2022 759,719 $ 13.45 $ 57,490
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity [Table Text Block]	A summary of the Company’s restricted stock unit activity is as follows: Number of Weighted Average Unvested shares as of December 31, 2021 1,087,627 $ 78.94 Granted 512,284 89.42 Vested (214,922) 81.97 Forfeited (18,482) 82.70 Unvested shares as of March 31, 2022 1,366,507 $ 82.34

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2022
Other Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 Other comprehensive income (loss) (898) — (898) Balance as of March 31, 2022 $ 726 $ 1,453 $ 2,179 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) 618 — 618 Balance as of March 31, 2021 $ 2,738 $ 951 $ 3,689

Segments (Tables)

Segments (Tables)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Revenue and Gross Profit from Segments [Table Text Block]	Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended March 31, 2022 2021 Subscription business: Revenue $ 139,839 $ 113,292 Veterinary invoice expense 100,590 83,726 Other cost of revenue 14,673 11,811 Technology and development 3,550 2,733 General and administrative 6,358 5,285 New pet acquisition expense 21,518 19,533 Depreciation and amortization 1,844 2,265 Subscription business operating loss (8,694) (12,061) Other business: Revenue 66,160 41,393 Veterinary invoice expense 44,336 26,144 Other cost of revenue 16,506 11,904 Technology and development 1,679 998 General and administrative 3,008 1,931 New pet acquisition expense 109 171 Depreciation and amortization 873 828 Other business operating income (loss) (351) (583) Gain (loss) from investment in joint venture (69) (85) Total operating loss $ (9,114) $ (12,729)
Revenue from External Customers by Geographic Areas [Table Text Block]	The following table presents the Company’s revenue by geographic region of the member (in thousands): Three Months Ended March 31, 2022 2021 United States $ 172,748 $ 127,759 Canada and other 33,251 26,926 Total revenue $ 205,999 $ 154,685

Net Loss per Share (Details) Sc

Net Loss per Share (Details) Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share - shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	759,719	1,026,605
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,366,507	1,232,549

Investment Securities (Details)

Investment Securities (Details) - Investment Schedule - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	$ 7,373	$ 7,050
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	11	11
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	7,384	7,061
Debt Securities, Held-to-maturity	136,571	126,012
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(30)	(9)
Debt Securities, Held-to-maturity, Fair Value	136,541	126,003
Deposits [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	6,373	6,050
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,373	6,050
Municipal Bonds [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	1,000	1,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	11	11
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	1,011	1,011
US Treasury Securities [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	8,773	8,671
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(30)	(9)
Debt Securities, Held-to-maturity, Fair Value	8,743	8,662
Certificates of Deposit [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	3,355	3,295
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	3,355	3,295
US Government Debt Securities [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	124,443	114,046
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	$ 124,443	$ 114,046

Investment Securities (Detail_2

Investment Securities (Details) - Available-for-Sale - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale [Abstract]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$ 7,373
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	7,384
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	7,373	$ 7,050
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 7,384	$ 7,061

Other Investments (Details)

Other Investments (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2019
Investments, All Other Investments [Abstract]
Purchase of Equity Interest				$ 7
Financing Receivable, Revolving	$ 4.1
Financing Receivable, after Allowance for Credit Loss	4.5		$ 4.5
Services performed for Variable Interest Entity	$ 0.2	$ 0.2

Fair Value (Details) - Investme

Fair Value (Details) - Investments Schedule - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 7,384	$ 7,061
Noncontrolling Interest in Variable Interest Entity	8,442	8,442
Assets, Fair Value Disclosure	91,584	47,758
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	0	0
Assets, Fair Value Disclosure	82,131	38,305
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	0	0
Assets, Fair Value Disclosure	1,011	1,011
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	8,442	8,442
Assets, Fair Value Disclosure	8,442	8,442
Money Market Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	75,758	32,255
Money Market Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	75,758	32,255
Money Market Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Money Market Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Deposits [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,373	6,050
Deposits [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,373	6,050
Deposits [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	0	0
Deposits [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	0	0
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	1,011	1,011
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	1,011	1,011
Municipal Bonds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0	0
Municipal Bonds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	1,011	1,011
Municipal Bonds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	$ 0	$ 0

Fair Value (Details) - Narrativ

Fair Value (Details) - Narrative - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Note Receivable, Fair Value [Abstract]
Noncontrolling Interest in Variable Interest Entity	$ 8,442	$ 8,442
Notes Receivable, Fair Value Disclosure	$ 7,600	$ 7,600

Claims Reserve (Details) - Rese

Claims Reserve (Details) - Reserve Rollforward - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	$ 22,407	$ 19,925
Current Year Claims and Claims Adjustment Expense	101,078	84,216
Prior Year Claims and Claims Adjustment Expense	(488)	(490)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	100,590	83,726
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	85,993	68,214
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	13,922	12,468
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	99,915	80,682
Claims expense non-cash	1,234	2,369
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	21,848	20,600
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	17,264	9,004
Current Year Claims and Claims Adjustment Expense	43,735	26,414
Prior Year Claims and Claims Adjustment Expense	601	(270)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	44,336	26,144
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	29,426	18,031
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	15,498	7,582
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	44,924	25,613
Claims expense non-cash	0	0
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	$ 16,676	$ 9,535

Claims Reserve (Details) - Narr

Claims Reserve (Details) - Narrative - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Period Increase (Decrease)	$ (600)
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	22,407	$ 19,925
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	21,848	20,600
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	100,590	83,726
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	99,915	80,682
Prior Year Claims and Claims Adjustment Expense	(488)	(490)
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Period Increase (Decrease)	(600)
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	17,264	9,004
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	16,676	9,535
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	44,336	26,144
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	44,924	25,613
Prior Year Claims and Claims Adjustment Expense	$ 601	$ (270)

Claims Reserve (Details) - Re_2

Claims Reserve (Details) - Reserve by Year of Occurrence $ in Thousands	Mar. 31, 2022USD ($)
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 21,848
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	16,676
Short-Duration Insurance Contract, Accident Year 2020 [Member] | Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	1,584
Short-Duration Insurance Contract, Accident Year 2020 [Member] | Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	11
Short-Duration Insurance Contract, Accident Year 2021 [Member] | Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	6,413
Short-Duration Insurance Contract, Accident Year 2021 [Member] | Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	2,357
Short-duration Insurance Contracts, Accident Year 2022 [Member] | Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	13,851
Short-duration Insurance Contracts, Accident Year 2022 [Member] | Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 14,308

Debt (Details) - Narrative

Debt (Details) - Narrative $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Line of Credit Facility [Line Items]
Line of Credit Facility, Expiration Date	Mar. 25, 2027
Line of Credit Facility, Initiation Date	Mar. 25, 2022
Line of Credit Facility, Maximum Borrowing Capacity	$ 150,000
Long-term Line of Credit	$ 60,000
Debt Instrument, Interest Rate, Stated Percentage	5.76%
Debt Issuance Costs, Gross	$ 5,700
Line of Credit Facility, Periodic Payment, Principal Percentage	0.25%
Line of Credit Facility, Frequency of Payments	quarterly
Unfunded Loan Commitment [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 75,000
Line of Credit, Date of Last Availability	Sep. 25, 2023
Line of Credit Facility, Expiration Date	Mar. 25, 2028
Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 15,000
Line of Credit, Date of Last Availability	Mar. 25, 2027
Line of Credit Facility, Expiration Date	Mar. 25, 2027

Debt (Details) - Schedule of Ma

Debt (Details) - Schedule of Maturities $ in Thousands	Mar. 31, 2022USD ($)
Debt Disclosure [Abstract]
Long-Term Debt, Maturity, Year One	$ 461
Long-Term Debt, Maturity, Year Two	593
Long-Term Debt, Maturity, Year Three	587
Long-Term Debt, Maturity, Year Four	581
Long-Term Debt, Maturity, Year Five	576
Long-Term Debt, Maturity, after Year Five	57,202
Long-term Line of Credit, Total	$ 60,000

Stock-based Compensation (Detai

Stock-based Compensation (Details) - Expense Category - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 7,549	$ 8,448
Share-based Compensation Arrangement by Share-based Payment Award, Capitalized Cost	236	162
Share-based Payment Arrangement, Expensed and Capitalized, Amount	7,785	8,610
Claims Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	1,187	2,299
Other Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	649	935
Technology and Development Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	908	664
General and Administrative Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	2,423	1,819
Selling and Marketing Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 2,382	$ 2,731

Share-based Compensation (Detai

Share-based Compensation (Details) - Narrative - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,366,507	1,087,627
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 108.1
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	3 years
Equity Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	4 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	4 years

Stock-based Compensation (Det_2

Stock-based Compensation (Details) - Stock Options - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	759,719	807,205
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(47,204)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period	(282)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	759,719
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 13.45	$ 13.39
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	0
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price	12.51
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price	10.23
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price	$ 13.45
Share-based Compensation Arrangement by Share-based Payment Award, Options, Aggregate Intrinsic Value [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	$ 57,490	$ 95,765
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	4,555
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 57,490

Stock-based Compensation (Det_3

Stock-based Compensation (Details) - Restricted Stock Units - Restricted Stock Units (RSUs) [Member] - $ / shares	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,366,507	1,087,627
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	512,284
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(214,922)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period	(18,482)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 82.34	$ 78.94
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	89.42
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	81.97
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 82.70

Stockholders' Equity (Details)

Stockholders' Equity (Details) - shares	Mar. 31, 2022	Dec. 31, 2021
Stockholders' Equity Attributable to Parent [Abstract]
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Outstanding	40,711,491	40,475,185
Preferred Stock, Shares Authorized	10,000,000	10,000,000

Comprehensive Income (Loss) (De

Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	$ 332,200	$ 339,939
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(898)	618
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	0	0
Other Comprehensive Income (Loss), Net of Tax	(898)	618
Stockholders' Equity Attributable to Parent, Ending Balance	328,533	336,077
Accumulated Foreign Currency Adjustment Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	1,624	2,120
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(898)	618
Stockholders' Equity Attributable to Parent, Ending Balance	726	2,738
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	1,453	951
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	0	0
Stockholders' Equity Attributable to Parent, Ending Balance	1,453	951
AOCI Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	3,077	3,071
Other Comprehensive Income (Loss), Net of Tax	(898)	618
Stockholders' Equity Attributable to Parent, Ending Balance	$ 2,179	$ 3,689

Segments (Details) - Business S

Segments (Details) - Business Segments - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Segment Reporting Information [Line Items]
Revenues	$ 205,999	$ 154,685
Claims Expense	144,926	109,870
Other Cost of Services Sold	31,179	23,715
Technology and Development Expense	5,229	3,731
General and Administrative Expense	9,366	7,216
Selling and Marketing Expense	21,627	19,704
Depreciation, Depletion and Amortization	2,717	3,093
Income (Loss) from Equity Method Investments	(69)	(85)
Operating Income (Loss), Total	(9,114)	(12,729)
Subscription business [Member]
Segment Reporting Information [Line Items]
Revenues	139,839	113,292
Claims Expense	100,590	83,726
Other Cost of Services Sold	14,673	11,811
Technology and Development Expense	3,550	2,733
General and Administrative Expense	6,358	5,285
Selling and Marketing Expense	21,518	19,533
Depreciation, Depletion and Amortization	1,844	2,265
Operating Income (Loss), Total	(8,694)	(12,061)
Other Segments [Member]
Segment Reporting Information [Line Items]
Revenues	66,160	41,393
Claims Expense	44,336	26,144
Other Cost of Services Sold	16,506	11,904
Technology and Development Expense	1,679	998
General and Administrative Expense	3,008	1,931
Selling and Marketing Expense	109	171
Depreciation, Depletion and Amortization	873	828
Operating Income (Loss), Total	$ (351)	$ (583)

Segments (Details) - Revenue by

Segments (Details) - Revenue by Geography - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Segment Reporting Information [Line Items]
Revenues	$ 205,999	$ 154,685
United States
Segment Reporting Information [Line Items]
Revenues	172,748	127,759
Canada and other
Segment Reporting Information [Line Items]
Revenues	$ 33,251	$ 26,926

Related Parties (Details)

Related Parties (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Related Party Transactions [Abstract]
Equity Method Investments	$ 300,000
Equity Method Investment, Ownership Percentage	17.50%
Related Party Transaction, Selling, General and Administrative Expenses from Transactions with Related Party	$ 1,000,000	$ 800,000